Cheaper 2018 Nissan Altima Insurance Quotes

Finding better insurance prices for a new or used Nissan Altima can turn out to be an all-consuming task, but you can learn our insurance buying tips to find lower rates. There are both good and bad ways to compare insurance rates and we’ll show you the quickest way to get price quotes for your Nissan and locate the lowest price either online or from local insurance agents.

You should take the time to shop coverage around before your policy renews since prices trend upward over time. Even if you think you had the best deal for Altima coverage two years ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to the quickest way to find great coverage at a great price.

Cheaper insurance coverage rates with discounts

Insurance coverage can be pricey, but there could be available discounts that many people don’t even know exist. Many of these discounts will be applied automatically at the time you complete a quote, but lesser-known reductions have to be specially asked for before you will receive the discount.

  • Save with a New Car – Adding a new car to your policy can save up to 30% because new vehicles keep occupants safer.
  • Theft Prevention Discount – Cars optioned with advanced anti-theft systems can help prevent theft and can earn a small discount on your policy.
  • No Claim Discounts – Drivers who don’t have accidents are rewarded with significantly better rates on insurance coverage quote in comparison to drivers who are more careless.
  • Driver’s Ed – Teen drivers should participate in a local driver’s education class as it will make them better drivers and lower rates.
  • Defensive Driver – Taking part in a driver safety course could possibly earn you a 5% discount if your company offers it.

Don’t be shocked that most credits do not apply to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, it’s just not the way it works.

Some companies that may offer quotes with most of the discounts above include:

Check with each insurance company which discounts can lower your rates. Some discounts listed above might not be available to policyholders in your area.

Compare car insurance rates

All major car insurance companies allow consumers to get coverage prices on the web. Comparing prices online is easy for anyone because you just enter your required coverages into the form. After you submit the form their quoting system makes automated requests for your driving record and credit report and returns pricing information determined by many factors.

This makes it easy to compare insurance prices but the work required to visit multiple sites and type in your information is repetitive and time-consuming. But it’s absolutely necessary to compare as many rates as possible if you are searching for the lowest possible prices on car insurance.

There is a better way to compare rates

A more efficient way to find better car insurance pricing utilizes a single form to get prices from several different companies. This type of form saves time, reduces the work, and makes comparison shopping much more enjoyable. Once the form is submitted, it is quoted and you can select any one of the quotes returned. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase the new policy. The entire process takes just a few minutes to complete and you’ll know if lower rates are available.

To find out how much you can save on car insurance, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended that you enter coverages and limits as shown on your current policy. Using the same limits helps guarantee you will have a price comparison based on the exact same insurance coverage.

Nissan Altima insurance cost factors

Many factors are considered when premium rates are determined. Some are pretty understandable like a motor vehicle report, but others are not quite as obvious such as whether you are married or your commute time.Consumers need to have an understanding of some of the elements that help calculate your auto insurance rates. When consumers understand what positively or negatively impacts your premiums, this enables informed choices that could help you find lower premium levels.

  • Men drivers tend to cost more – Over the last 30 years, statistics show that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. Women and men are in accidents in similar numbers, but males tend to have more serious accidents. Men also statistically get more serious tickets like DWI (DUI) or reckless driving.
  • Don’t cut corners with liability protection – Your policy’s liability coverage is the protection if you are ruled to be at fault for damages from an accident. Your liability coverage provides for a legal defense which can cost thousands of dollars. Liability is cheap when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.
  • Higher physical damage deductibles reduce prices – Your deductibles define how much you are willing to pay before your auto insurance pays a claim. Physical damage protection, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. A few examples of covered claims are rearending another vehicle, animal collisions, and damage from wind. The more damage repair cost the insured has to pay upfront, the less money you will pay for auto insurance for Altima coverage.
  • Single vs. married – Having a spouse can get you a discount on your auto insurance policy. Marriage is viewed as being more financially stable and insurance companies reward insureds because drivers who are married file infrequent claims.
  • Insurance companies don’t like frequent insurance claims – If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Auto insurance companies provide lower rates to drivers who file claims infrequently. Insurance coverage is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Tailor your car insurance coverage to you

When it comes to buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine whether or not you could use an agent’s help.

  • What can I do if my company won’t pay a claim?
  • Why am I required to buy liability insurance?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Do I need motorclub coverage?
  • When would I need rental car insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Is my trailer covered?
  • Should I have combined single limit or split liability limits?
  • Am I covered when driving in Canada or Mexico?
  • Does my liability insurance cover pulling a trailer or camper?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form. It only takes a few minutes and may give you better protection.

Auto insurance coverages and their meanings

Understanding the coverages of your policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Nissan Altima.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Coverage for liability – Liability insurance will cover damage that occurs to people or other property. It protects you against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as attorney fees, court costs, funeral expenses, pain and suffering and medical services. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision – Collision insurance pays for damage to your Altima caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, crashing into a building, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also raise the deductible to bring the cost down.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for bills for ambulance fees, surgery, nursing services and prosthetic devices. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive auto coverage – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, fire damage and theft. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Be a penny pincher

We just showed you some good ideas how to get a better price on 2018 Nissan Altima insurance. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may be surprised to find that the biggest savings come from some of the lesser-known companies.

When getting insurance coverage quotes online, it’s very important that you do not buy less coverage just to save a little money. In many instances, an insured cut physical damage coverage only to discover later that they should have had better coverage. Your focus should be to buy a smart amount of coverage for the lowest cost.

Consumers leave their current company for a number of reasons such as unfair underwriting practices, questionable increases in premium, high prices and even extreme rates for teen drivers. Regardless of your reason, choosing a new company can be easy and end up saving you some money.

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